I was active on here about a year ago and went through a lot of cleaning up. I was able to get all of the collections and medical debt off my reports. I had a temporary bump in my score that enabled me to get a $10k Amex, a $5k secured Wells Fargo and some store cards.

I'm looking for advice on steps I can take to get my FICO mortgage scores up to buy a house in 6 months. Yes, I could wait 18-24 months for stuff to start falling off but there are a lot of reasons it makes sense to buy sooner even at a high interest rate.

Things I've tried:
- I did all the address deletions and challenging the OCs records. All of the ones on my report still sent me hundreds of pages of proof validating the account.
- I've done CLIs periodically on my cards if it is only a soft inquiry. Typical response is no citing my low score.
- There really isn't anything that I see that is questionable in my reports.

Ideas I had:
- TU deleted all the late payment details from the accounts, only showing the balance. EX and EQ did not. Wondering if that is why TU is higher and wondering if that is what I should try to do on EX and EQ
- Would I benefit from closing some of the newer store cards I added last year. The only one I really want is Amazon for the 5% discount.
- Pay down some of the car loan to reduce balance to credit limit ratios. But I'd rather keep the cash for my house downpayment or cash reserves.
- EX does not include a DOLA in its report for all of the accounts. Can I challenge some of those tradelines for that reason?

Anything else I can do? Thanks so much in advance for whatever insight or advice you have.

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I believe that nothing is instr-int and it takes some time to build a good credit history and get out of the negative effect of your credit score or cibil score influence. Remember that credit scores can change gradually over time when we are consistently engaging in creditworthy behavior, Such as paying bills on time and using credit conservatively.
Do:
1) Timely payment of bills
2) Don't miss to repay any debts that you borrowed from any financial institutions.
3) Re-establish your credit history
4) Have a credit card then manage them responsibly
5) Close unused bank accounts.
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